For the first time in years, most health insurance consumers in Louisiana’s individual market and small businesses in the small group market will see lower or stable premiums in 2019, according to the Louisiana Department of Insurance.

Fearing Louisiana’s individual health insurance market is in “a death spiral,” state Insurance Commissioner Jim Donelon wants to lower premiums with a new reinsurance program funded by a fee on most private health insurance plans.

Louisiana residents in the individual health insurance market are facing another double-digit premium spike next year due to looming uncertainties over whether the Trump administration will reimburse insurers for out-of-pocket subsidies to enrollees and enforce a tax penalty on the uninsured.